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28 May 2024
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Cheap Smokers Family Income Benefit Male Age 40

Family Income Benefit for a 40 Year Old Male Smoker

If you are a smoker and want to protect you family by providing them with a regular income should you die prematurely than your life insurance monthly premium will reflect you smoker status. The best buy tables below are for a family income benefit for a 40 Year Old Male Smoker with a benefit of £12000 pa and a term of 25 years,

It is worth noting that if you have stopped smoking but have used nicotine replacement products in the last twelve months then most life insurance companies will still class you as a smoker until you have stopped using them for twelve month.

However if you have not smoked in the last twelve months but have used nicotine products we may still be able to obtain a non smoker life insurance policy. If you would like to find out more please call us on 01603 271108 or complete our enquiry form.

Below are examples of the quotes you can obtain via Go Directs online discounted life insurance quotes system.

Family Income Benefit Quote

Cover for : Male Age 40 (Male and Females and now the same cost)

Type of cover : Family Income Benefit

Term policy : 25 years Smoker Rates Apply


Our Premium

Standard Premium

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Instant Quote




£900.00 over term





£843.00 over term





£1035.00 over term





£891.00 over term







Cheapest premiums available for a male aged 40 smoker as of the 12/06/2023.

The premiums quoted are for illustrative purposes only. The premiums are based on an applicant being in good health and the actual rates you will receive will be dependent upon your health and individual circumstances at the time of application.

Cheap Smoker Family Life Insurance Quotes

Thankfully at Go Direct our discounted premiums can help cushion some of the increase in premiums you will have as a smoker for your family life insurance policy. We rebate a minimum of 50% the initial commission we could receive for setting up your policy back into your policy to offer you a cheap family protection quote.

Smoker Family Life Insurance Advice

If you would like to speak to an advisor about your family life insurance requirements Go Direct offer fee free phone based life insurance advice. Our advisers can help you find the right solution for your protection to fit your budget. You will also receive the same cheaper life insurance quotes as you find on our website. Call us today on 01603 271108 or complete our insurance advice form to request a call.

Go Direct.co.uk is a trading style for website purposes of Go Direct UK Ltd.

Go Financial Services is a trading style of Go Direct UK Ltd which is an appointed representative of Personal Touch Financial Services Ltd which is authorised and regulated by the Financial Conduct Authority Registered in England & Wales Company 5703224. FCA Number 456600

Cheap Smoker Family Income Benefit Male Age 40 Quotes From Go Direct